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If you are referring to a college or university graduation certificate, then you must have one before applying. A secondary school certificate will not help.
You will be placed to a course depending on the availability of chances and competition. If hundred students qualify for a course and the courses has only 80 available spaces then only the best 80 will be placed.
It is not possible to download KCSE results online. What is available online is only the entire school results and can only be accessed by the school head.
You cannot change secondary school you have been selected to join unless you write to your county director of education providing evidence as to why you want to change change for instance medical reasons.
If you apply for HELB loan and you defer, the loan will still be disbursed to your school fees account. The best thing to do is to just apply and find a way of handling the situation with your school accountant.